<SUBMISSION>
<ACCESSION-NUMBER>0001275287-05-000104
<TYPE>8-K
<PUBLIC-DOCUMENT-COUNT>3
<PERIOD>20050113
<ITEMS>8.01
<ITEMS>9.01
<FILING-DATE>20050114
<DATE-OF-FILING-DATE-CHANGE>20050113
<FILER>
<COMPANY-DATA>
<CONFORMED-NAME>ARBOR REALTY TRUST INC
<CIK>0001253986
<ASSIGNED-SIC>6798
<IRS-NUMBER>200057959
<STATE-OF-INCORPORATION>MD
<FISCAL-YEAR-END>1231
</COMPANY-DATA>
<FILING-VALUES>
<FORM-TYPE>8-K
<ACT>34
<FILE-NUMBER>001-32136
<FILM-NUMBER>05529146
</FILING-VALUES>
<BUSINESS-ADDRESS>
<STREET1>333 EARLE OVINGTON BOULEVARD
<STREET2>SUITE 900
<CITY>UNIONDALA
<STATE>NY
<ZIP>11553
<PHONE>5168328003
</BUSINESS-ADDRESS>
<MAIL-ADDRESS>
<STREET1>333 EARLE OVINGTON BLVD STE.900
<CITY>UNIONDALE
<STATE>NY
<ZIP>11553
</MAIL-ADDRESS>
</FILER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>ar1822.htm
<TEXT>
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<p  align="center"><font size="5" face="Times New Roman"><b>UNITED STATES<br> SECURITIES AND EXCHANGE COMMISSION<br> </b></font>
<font size="3"><b>Washington, D.C. 20549</b></font></p>
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<font size="5" face="Times New Roman"><b>FORM 8-K</b></font></p>
<p  align="center">
<font size="3" face="Times New Roman"><b>CURRENT REPORT</b></font></p>
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<font size="2" face="Times New Roman"><b>Pursuant to Section 13 or 15(d) of the<br> Securities Exchange Act of 1934</b></font></p>
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<font size="2" face="Times New Roman"><b>Date of Report (Date of earliest event reported)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;January 13, 2005 (January 13, 2005)</b></font></p>
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<font size="6" face="Times New Roman"><b>Arbor   Realty Trust, Inc.</b></font></p>  </td>
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<font size="2" face="Times New Roman"><i>(Exact name of registrant as specified in its   charter)</i></font></p>  </td>
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<font size="2" face="Times New Roman"><b>Maryland</b></font></p>  </td>
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<font size="2" face="Times New Roman"><b>001-32136</b></font></p>  </td>
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<font size="2" face="Times New Roman"><b>20-0057959</b></font></p>  </td>
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<font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
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<font size="2" face="Times New Roman"><i>(State or other jurisdiction of<br>   incorporation)</i></font></p>  </td>
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<font size="2" face="Times New Roman"><i>(Commission<br>   File Number)</i></font></p>  </td>
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  <p  align="center"><font size=1 face="Times New Roman">&nbsp;</font></p> </td>
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<font size="2" face="Times New Roman"><i>(IRS Employer<br>   Identification No.)</i></font></p>  </td>
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  <p  align="center"><font size=1 face="Times New Roman">&nbsp;</font></p> </td>
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  <p  align="center"><font size=1 face="Times New Roman">&nbsp;</font></p> </td>
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<font size="2" face="Times New Roman"><b>333 Earle Ovington Boulevard, Suite   900 Uniondale, New York</b></font></p>  </td>
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<font size="2" face="Times New Roman"><b>11553</b></font></p>  </td>
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<font size="2" face="Times New Roman"><i>(Address of principal executive offices)</i></font></p>  </td>
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  <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Times New Roman">&nbsp;</font></p> </td>
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<font size="2" face="Times New Roman"><i>(Zip Code)</i></font></p>  </td>
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  <p  align="center"><font size=1 face="Times New Roman">&nbsp;</font></p> </td>
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  <p  align="center"><font size=1 face="Times New Roman">&nbsp;</font></p> </td>
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   <p  align="center"><font size="2" face="Times New Roman"><b>(516)   832-8002</b></font></p>  </td>
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<font size="2" face="Times New Roman"><i>(Registrant&#146;s telephone number, including area code)</i></font></p>  </td>
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<p>
<font size="2" face="Times New Roman">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</font></p>
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<font size="2" face="Wingdings">o</font></p>  </td>
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<font size="2" face="Times New Roman">Written communications pursuant to Rule 425 under   the Securities Act (17 CFR 230.425)</font></p>  </td>
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<font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
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<font size="2" face="Wingdings">o</font></p>  </td>
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<font size="2" face="Times New Roman">Soliciting material pursuant to Rule 14a-12 under   the Exchange Act (17 CFR 240.14a-12)</font></p>  </td>
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<font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
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<font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
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  <p><font size="2" face="Wingdings">o</font></p>  </td>
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<font size="2" face="Times New Roman">Pre-commencement communications pursuant to Rule   14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</font></p>  </td>
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<font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
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<font size="2" face="Wingdings">o</font></p>  </td>
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<font size="2" face="Times New Roman">Pre-commencement communications pursuant to Rule   13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</font></p>  </td>
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<p  align="center">
<font size="2" face="Times New Roman">Arbor Realty Trust, Inc.<br> Current Report on Form 8-K</font></p>
<p>
<font size="2" face="Times New Roman"><b>Item 8.01&#160; Other Events.</b></font></p>
<p>
<font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On January 13, 2005, Arbor Realty Trust, Inc. (the &#147;Company&#148;) issued a press release announcing that its Board of Directors declared a quarterly cash dividend of $0.47 per share of common stock for the quarter ended December 31, 2004 which is payable on February 15, 2005 to common shareholders of record on January 31, 2005. A copy of the press release relating to the announcement is attached hereto as Exhibit 99.1.</font></p>
<p>
<font size="2" face="Times New Roman"><b>Item 9.01&#160; Financial Statements and Exhibits.</b></font></p>
<p>
<font size="2" face="Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Exhibits</font></p>
<p>
<font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>Exhibit Number</u></font></p>
<p>
<font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Press Release, dated January 13, 2005.</font></p>

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<font size="2" face="Times New Roman">SIGNATURE</font></p>

<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</font></p>
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<font size="2" face="Times New Roman">Dated:&#160;   January 13, 2005</font></p>  </td>
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<font size="2" face="Times New Roman">A<small>RBOR</small> R<small>EALTY</small>   T<small>RUST</small>, I<small>NC</small>..</font></p>  </td>
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<font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
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<font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
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<font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
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<font size="2" face="Times New Roman">By:</font></p>  </td>
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<font size="2" face="Times New Roman">/s/ F<small>REDERICK</small> C. H<small>ERBST</small></font></p>  </td>
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<font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
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<font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
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<font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
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<font size="2" face="Times New Roman">Name:</font></p>  </td>
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<font size="2" face="Times New Roman">Frederick C. Herbst</font></p>  </td>
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  <p><font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
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  <p><font size="2" face="Times New Roman">Title:</font></p>  </td>
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  <p><font size="2" face="Times New Roman">Chief Financial Officer</font></p>  </td>
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<p  align="center"><font size="2" face="Times New Roman">EXHIBIT INDEX</font></p>
<p><font size="2" face="Times New Roman"><u>Exhibit Number</u></font></p>
<p><font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Press Release, dated January 13, 2005.</font></p>

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<font size="2" face="Times New Roman"><b>Exhibit 99.1</b></font></p>


<p  align="center"><font size="2" face="Times New Roman"><IMG SRC="image_001.jpg" ALT="Message"></font></p>
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<font size="2" face="Times New Roman">Contacts:</font></p>  </td>
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<font size="2" face="Times New Roman">Investors:</font></p>  </td>
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<font size="2" face="Times New Roman">Arbor Realty   Trust, Inc.</font></p>  </td>
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<font size="2" face="Times New Roman">Stephanie   Carrington/ Denise Roche</font></p>  </td>
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<font size="2" face="Times New Roman">Rick Herbst,   Chief Financial Officer</font></p>  </td>
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<font size="2" face="Times New Roman">The Ruth   Group</font></p>  </td>
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<font size="2" face="Times New Roman">516-832-7408</font></p>  </td>
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<font size="2" face="Times New Roman">646-536-7017   / 7008</font></p>  </td>
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<font size="2" face="Times New Roman">rick.herbst@thearbornet.com</font></p>  </td>
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<font size="2" face="Times New Roman">scarrington@theruthgroup.com</font></p>  </td>
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<font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
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<font size="2" face="Times New Roman">droche@theruthgroup.com</font></p>  </td>
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<font size="2" face="Times New Roman">Media:</font></p>  </td>
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<font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
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  <p><font size="2" face="Times New Roman">Bonnie   Habyan, SVP of Marketing</font></p>  </td>
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<font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
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<font size="2" face="Times New Roman">516-229-6615</font></p>  </td>
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<font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
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  <p>
<font size="2" face="Times New Roman">bonnie.habyan@thearbornet.com</font></p>  </td>
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<font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
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<p  align="center">
<font size="2" face="Times New Roman"><b>Arbor Realty Trust Declares Fourth Quarter 2004 Dividend</b></font></p>
<p>
<font size="2" face="Times New Roman">Uniondale, NY, January 13, 2005 -- Arbor Realty Trust, Inc. (NYSE: ABR), a real estate investment trust focused on the business of investing in real estate related bridge and mezzanine loans, preferred equity investments, mortgage-related securities and other real estate related assets, announced today that its Board of Directors declared a quarterly cash dividend of $0.47 per share of common stock for the quarter ended December 31, 2004. The dividend is payable on February 15, 2005 to common shareholders of record on January 31, 2005.</font></p>
<p>
<font size="2" face="Times New Roman">Ivan Kaufman, Chairman and Chief Executive Officer, commented, &#147;We are pleased to announce that Arbor&#146;s Board of Directors has increased the quarterly cash dividend for the second time since its initial public offering in April 2004. The increase reflects our strong financial performance in 2004 and the strength of our portfolio. We remain committed to returning value to our shareholders and look forward to continuing our success in 2005.&#148;</font></p>
<p>
<font size="2" face="Times New Roman"><u>About Arbor Realty Trust, Inc.</u></font></p>
<p>
<font size="2" face="Times New Roman">Arbor Realty Trust, Inc. is a real estate investment trust, which invests in a diversified portfolio of multi-family and commercial real estate related bridge and mezzanine loans, preferred equity investments, mortgage-related securities and other real estate related assets. Arbor commenced operations in July 2003 and conducts substantially all of its operations through its operating partnership, Arbor Realty Limited Partnership. Arbor is externally managed and advised by Arbor Commercial Mortgage, LLC, a national commercial real estate finance company operating through 15 offices in the US that specializes in debt and equity financing for multi-family and commercial real estate.</font></p>


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<p  align=right><font size="2" face="Times New Roman"><i>Page 2</i></font></p>
<p><font size="2" face="Times New Roman"><u>Safe Harbor Statement</u></font></p>
<p><font size="2" face="Times New Roman">Certain items in this press release may constitute forward-looking statements within the meaning of the &#147;safe harbor&#148; provisions of the Private Securities Litigation Reform Act of 1995. These statements are based on management&#146;s current expectations and beliefs and are subject to a number of trends and uncertainties that could cause actual results to differ materially from those described in the forward-looking statements. Arbor can give no assurance that its expectations will be attained. Factors that could cause actual results to differ materially from Arbor&#146;s expectations include, but are not limited to, continued ability to source new investments, changes in interest rates and/or credit spreads, changes in the real estate markets, and other risks detailed from time to time in Arbor&#146;s periodic and other reports filed with the SEC. Such forward-looking statements speak only as of the date of this press release. Arbor expressly
disclaims any obligation or undertaking to release publicly any updates or revisions to any forward-looking statements contained herein to reflect any change in Arbor&#146;s expectations with regard thereto or change in events, conditions, or circumstances on which any such statement is based. </font></p>
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